Obviously, if the OP is switching summer/all season tires for snow tires in the winter, a second set of wheels is a logical investment. However, most people do not do that, and I got no indication that the OP is planning to either. Even here in Minnesota, most of the people I know don't switch out for winter tires.
I also *am* aware of what aspect ratio means, although I disagree with you assessment that narrower tires will give better steering feel or suspension response. Quite the opposite, in fact. If one goes to a narrower aspect ratio, steering feel and response will decrease because of the additional flex in the taller sidewall, while ride quality should be improved because the more flexible sidewall will more easily absorb bumps. How noticeable either of these changes would be is an open question. IMO, the difference might be noticeable, but certainly not huge. And I never said I was "afraid" of 65 series tires, or that they were dangerous in any way if the proper size is fitted. I simply said that personally I prefer at least a sixty series or wider tire.